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I don't think there a no down payment loans available in Davis, but I do know that there are some downpayment assistance programs that can help with that if you fall into their guidelines. I also know that Dixon is an area where there are USDA loans which are 100 percent financing. Different loan programs require different minimum credit scores so that one is tough to answer. I would need to know a little more about your situation to answer you definitively. Please call me at (530) 304-6176, That's my cell phone. We can talk about it more in detail and I can refer you to a lender who may be able to help you.